6. Illness during the trip
Up to half of all travelers get ill or injured during their trip. While most of these illnesses and injuries are minor, a serious illness or accident can do far more than ruin your trip: it can leave you with high medical costs. In fact, many hospitals outside of the United States require cash payments of up to thousands of dollars before they will even begin treatment. Don’t forget: your own medical plan may not cover you anywhere you go and Medicare will not cover you outside of the U.S. Medical travel insurance will protect you if you get hurt and need to return home early or need emergency medical attention.